Know what motorcycle insurance should cost before you buy.
$320–$500/yr
An illustrative range rather than a quote. Where you ride sets the floor, so check the state minimums and sample premiums for your state.
See costs in your state →Start here
First policy, or after a claim.
New to this
Buying your first policy →
What liability, collision, comprehensive, and uninsured-motorist coverage each do — and the order to make the decisions in.
After a crash
What a claim costs you →
Out-of-pocket gaps riders hit at claim time: deductibles, custom-parts shortfalls, totaled-bike payouts, and diminished value.
We answer the questions you would ask before buying.
Sourced to filings
State cost averages come from MoneyGeek’s 2026 rate study. Adjustments for bike type, age and experience are our own model, and we label them as modeled. No synthesized review stars.
50 state guides
Helmet laws, lane-splitting, no-fault, SR-22 thresholds — traced to each state’s department of insurance.
No rankings, no affiliates
We publish no carrier rankings or scores and run no affiliate links, ads, or lead forms. Nothing on the page is sold a position.
By bike type
The bike changes what coverage costs.
How we source
State averages come from MoneyGeek’s 2026 study; bike, age and experience adjustments are our own model. We don’t rank or score carriers.
Cost ranges
State rules
Coverage guides
Claim costs
Sourced